Your Property Details
San Luis Obispo, San Luis Obispo County median: $925,000
San Luis Obispo, San Luis Obispo County Market Snapshot
- Conforming Limit
- $1,149,825
- 5-Year Appreciation
- 30.0%
- Avg Property Tax Rate
- 1.06%
- Est. Annual Tax
- $9,805
Your Equity Position
Current Equity
$370,000
Current LTV
60.0%
Maximum Cash-Out by LTV
Max New Loan
$740,000
Cash Available
$185,000
Max New Loan
$786,250
Cash Available
$231,250
Max New Loan
$832,500
Cash Available
$277,500
5-Year Projection for San Luis Obispo, San Luis Obispo County
Based on 30.0% historical appreciation in San Luis Obispo, San Luis Obispo County, California:
Projected Value (5yr)
$1,202,500
Projected Equity Gain
$277,500
Calculations are estimates for educational purposes only. Actual loan amounts depend on credit score, DTI ratio, property appraisal, and lender guidelines. Conforming loan limit for San Luis Obispo, San Luis Obispo County is $1,149,825 (2026 FHFA). Contact Mo Abdel at (949) 822-9662 for a personalized analysis. NMLS #1426884 | Lumin Lending NMLS #2716106.
Frequently Asked Questions
What is the 2026 conforming loan limit for San Luis Obispo, California?
San Luis Obispo is in San Luis Obispo County, which has a 2026 FHFA conforming loan limit of $1,149,825. This limit applies to all cities within the county. Loans exceeding this amount require jumbo financing.
How much equity can I access through a cash-out refinance in San Luis Obispo?
With San Luis Obispo's median home value of $925,000, a homeowner with 40% equity could access approximately $185,000 at 80% LTV. Enter your actual home value and mortgage balance above for a personalized calculation.
What property tax rate applies in San Luis Obispo, San Luis Obispo County?
The average effective property tax rate in San Luis Obispo is 1.06%. On a home valued at $925,000, that's approximately $9,805 per year. Property taxes are factored into your total PITI payment.
Ready to Take the Next Step?
Get a personalized quote from Mo Abdel — access 200+ wholesale lenders with one application.